- Car Insurance
- Car Insurance Coverages
- Comprehensive Coverage
Comprehensive Insurance Coverage
What is Comprehensive Insurance Coverage?
When your car is damaged for any reason besides a collision, Comprehensive coverage will pay the cost after your deductible is met.
Think of it as an extra layer of security for the unexpected. Damage caused by things like a storm, flood, fire, vandalism, or theft are all incidents when Comprehensive would kick in to help cover costs.
Customized coverage that protects your vehicle from the unexpected
Who’s is right for?
- Those looking for maximum coverage on their car.
- If you lease or finance your vehicle, you may be required to purchase this coverage.
What are the benefits?
- You’ll avoid out-of-pocket costs if your car is damaged after you’ve met your deductible
- Compensation if your car is totaled.
How Comprehensive Insurance Coverage works
Common questions
Put simply:
Collision coverage is intended for when you, someone, or something collides with your vehicle.
Comprehensive coverage is intended for damage done to your vehicle by fire, weather (like a flood), vandalism, or even an animal.
The main difference between the two coverages is whether another car or someone’s property is struck in an accident.People may sometimes refer to comprehensive coverage as “full coverage”, which is not correct. “Full coverage” is an unofficial term that is generally intended to describe multiple coverages that, together, provide you and your car with the most protection.
If you’re looking for full coverage, consider the following combination of coverages from Liberty Mutual:
Standard
- Liability
- Property Damage
- Medical Payments
Add-on
- Comprehensive
- Collision
- Personal Injury Protection
- Uninsured Motorist